Bank of America is refusing to refund the transactions that were made by whoever found my card after I lost it. They said "We confirmed your card was used for the charge(s). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present." I don't understand this. Of course they would have the chip, they found my card after all, but that doesn't mean I gave them permission.
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According to this post, rates of relief for credit reports (to Equifax, Experian, or TransUnion) were 50%(?) in 2022; according to this other post, rates of relief were only 2% in 2021, and about 25% in 2019. To be fair, your issue is different from a credit report issue, but the situations could be similar.